Want To Buy A House With No Money Down [VALIDATED × CHECKLIST]

: Many lenders accept scores starting at 580–620 .

: "Free money" that doesn't need to be repaid (e.g., Bank of America's Home Grant offers up to $7,500). want to buy a house with no money down

: You start with zero equity. If home prices dip, you could immediately owe more than the house is worth (negative equity). : Many lenders accept scores starting at 580–620

If you don't meet the criteria for the loans above, you can stack these strategies to reach a $0 out-of-pocket goal. If home prices dip, you could immediately owe

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: You can negotiate for the seller to pay your closing costs (typically 3%–5% of the loan amount), which significantly reduces your initial cash need.

: A second mortgage with 0% interest and no monthly payments, often forgiven if you live in the house for 5–10 years.